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Restaurant and Bar Insurance in Geneva and St. Charles, IL

Protecting Restaurants and Bars in Geneva, IL

Restaurants and bars have lot of different elements to operations, and they have different kinds of employees as well. Each restaurant and/or bar is unique, and although most enterprises of these kinds face similar risks, no two restaurants and/or bars face identical risks. This is one reason among many why restaurants and bars need to stay protected against exposures and the sometimes-significant costs in which these exposures can result.

At Dukane Financial Services we tailor the coverages from our broad and diverse restaurant and bar insurance program to the needs of individual clients. This way, any restaurant and/or bar is fully secure for the lowest possible costs.

Contact an agent to learn more or read on.   

Specialized Coverages for your Operation

Through Illinois Casualty Company and a variety of other carriers, we ‘shop’ on your behalf for the right coverages and the right policy options. We insure almost any food service and/or liquor-service enterprise through our carrier-partners and provide comprehensive and affordable products in every case. We specialize in food-delivery businesses however, and we offer special coverages for these operations. The food service businesses that we insure include:

  • Restaurants (family, casual, and/or fine dining)
  • Bars
  • Cafes
  • Cafeterias
  • Caterers
  • Diners
  • Delis
  • Food delivery businesses
  • Fast food restaurants
  • Pizza restaurants
  • Lounges
  • Company or franchise-owned restaurants
  • Banquet facilities
  • Wineries
  • Host liquor (wedding receptions and class reunions)
  • Taverns (nightclubs)
  • Private clubs
  • Package liquor stores
  • Convenience stores
  • Special events (liquor liability and general liability)
  • Food management contractors
  • Independently owned or chain restaurants

These and other food service and/or liquor-service establishments can choose from a variety of coverages, including:

  • General liability insurance (GL)
  • Workers compensation insurance
  • Property coverage
  • Identity theft insurance
  • Valuable papers coverage
  • Loss of income insurance
  • Business owners policy (BOP)
  • Food truck insurance
  • Van insurance
  • Pickup truck insurance
  • Box truck insurance
  • Business auto insurance
  • Commercial trailer insurance
  • Equipment breakdown insurance
  • Inland marine insurance
  • Liquor liability insurance
  • Umbrella insurance
  • Commercial auto insurance
  • Data compromise coverage
  • Employee theft of money and losses in transit to bank
  • Employment practices liability (EPL)
  • Food spoilage
  • Food contamination

Many restaurants and /or bars do not have proper insurance and are therefore liable for accidents, damages, injuries, and other exposures that the enterprises face. Being liable means being subject to significant costs in some cases. 


Food delivery businesses are properly insured even less than most food service establishments. In fact, 98% of drivers don’t have insurance; this makes drivers and businesses for which drivers work liable for damages. 


At Dukane Financial Services we understand that one of the reasons restaurants and bars do not typically have adequate insurance is that the costs of proper insurance can sometimes be prohibitive. We create each policy we write to match the needs of an individual enterprise, and part of finding the right match is ensuring that coverages are affordable. We match clients’ budgets. 

We will ensure that your operation stays secure for the right price.

Working with Dukane Financial Services

We make sure that every client has the best insurance experience possible. This means that we provide effective and expansive products and personalized services that ensure that clients’ investments have the greatest value. 


We manage risk and claims and we educate continuously. This way, clients can reduce costs and have advocates.  Clients can also have the informational tools necessary to make the best insurance decisions. We’re also fully available, which means that we can be reached whenever and however clients need to reach us.  Via text, email, phone, and/or personal interactions, we communicate with clients.  However clients prefer to communicate, we’re available. 

Please contact us or give us a call to learn more or to get started. If you’re ready to start on a policy, feel free to request a quote.


Dukane Financial Services is proud to provide restaurant and bar insurance in Geneva, St. Charles, Bloomingdale, Bartlett, Addison, and Chicago, IL. We also serve other areas in the state and we serve seven other states. 

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Our Locations

Dukane Financial Services

825 W. State St. #119B
Geneva, Il 60134
Main office: 630-208-0228
Fax: 630-225-5243

Dukane Financial Services - Bloomingdale

135 S. Bloomingdale Rd.
Bloomingdale, IL 60108
Main office: 630-894-0800
Fax: 630-894-4150

Our Providers

Testimonials

You did a terrific job. You were there when we needed you. Thanks Walter

Walter B.